Interest Rate Update

Variable interest rates on homeloans.com.au loans are decreasing by 0.15%. Rates on our website have been reduced accordingly and they will take effect from 13 November 2020. Even if you apply before 13 November, our new low rates will apply.

We are currently experiencing technical issues with our phone system.

We'd love to help you with your home loan enquiry. While our phone system is down, you can get in touch with us here. We apologise for any inconvenience.

Maintenance and outages

Due to planned server maintenance, our “Online Application” form will not be available on Sunday 29th August between 2:00am and 6:00am AEDT.
We apologise for any inconvenience caused.

Home loan account BSB numbers for customers are changing from 1 September Learn more

Information for customers requiring financial assistance Learn more

Who is
homeloans.com.au?

homeloans.com.au is an award-winning provider of flexible and competitive home loans for all walks of life, whether you’re a first home buyer, investor, or self-employed, or you’re looking to up-size, down-size, or get back on track after one of life’s speed bumps. We are a wholly owned subsidiary of Resimac Group Ltd ("Resimac", ASX code RMC), a leading non-bank lender in Australia and New Zealand, established in 1985 and recognised as Non-Bank of the Year at the 2020 Australian Mortgage Awards. More about us

  • 50,000+

    Join over 50,000 savvy
    customers

  • $15bn+

    Of current lending in Australia
    and NZ

  • 35+yrs

    Helping Australians achieve
    financial success since 1985
homeloans.com.au
 

Why choose
homeloans.com.au?

  • Fast, online process

    Work at your own pace (even if that's real fast!). It's easier than you'd think

  • No ongoing fees

    Because we know that's important to you

  • Low rates

    Super-competitive rates for the life of the loan for a range of borrower situations

Plus, our loans come with great features like 100% offset and we allow additional repayments and redraw

Why our customers

love us

  • Homeloans has been awesome

    Really helpful, no nonsense, got a refinance and a home loan pretty seamlessly. The upload process takes care of a lot of the work, and you just need a couple of calls and emails. The interest rate is the best around for owner-occupier. Highly recommend.

    Erik L

    Efficient and streamlined process

    Great experience and customer service, from the initial conversation to finalising the refinance loan. Communication was very clear, and the online process was simple and seamless. The team was professional, helpful and super efficient!

    Mel I

    Excellent Service and Support

    Friendly and professional service, loved every minute of my dealings with the team. From the beginning to end this was an enjoyable experience with a great rate. Will be back with any future home loan requirements.

    Brad
Reviews sourced from productreview.com.au. See all reviews here

How does it work?

  • Submit

    Provide us with your details using our quick, simple and secure process
    Get Started

  • Approve

    We'll either approve your application or contact you to put on the finishing touches

  • Finalise

    You sign, we finalise! If it's a refinance we'll contact your current lender and make all the arrangements

  • Settle

    Congratulations! Your new loan settles and you're part of the homeloans.com.au family

Our team of Australian-based Lending Specialists are available to assist you, so if you need to talk to us at any stage throughout the process please don't hesitate to get in touch.

  • Professional/prompt service

    After having a disappointing

    (unsuccessful) experience with my

    local Mortgage Broker I cautiously (I’m

    a boomer who prefers face to face

    communication) commenced an online

    home loan refinance application with

    State Custodians…

    Professional/prompt service

    After having a disappointing

    (unsuccessful) experience with my

    local Mortgage Broker I cautiously (I’m

    a boomer who prefers face to face

    communication) commenced an online

    home loan refinance application with

    State Custodians…

    Professional/prompt service

    After having a disappointing

    (unsuccessful) experience with my

    local Mortgage Broker I cautiously (I’m

    a boomer who prefers face to face

    communication) commenced an online

    home loan refinance application with

    State Custodians…

Get started

To find out if you are eligible or to begin the process, click the buttons below. Using our fast, online application you can start,
stop, save and continue whenever you like!

A new tree for every home loan

When you take out a loan with homeloans.com.au, you're also helping to reduce greenhouse gases in the atmosphere through a new tree we plant on your behalf. This one tree will offset 120 kilograms of carbon from Earth's atmosphere over its lifetime. This program is an important part of our DNA, and we're committed to working hand-in-hand with our customers to help create a better future for our planet. Our parent company has planted more then 40,000 trees in the Australian Wheatbelt region, offsetting more than nearly five million kilograms of carbon emissions!

Talk to us

Need to know:

Eligibility criteria apply. Interest rates are effective from 13 November 2020 and are subject to change. Interest rates shown apply to new eligible loans up to 60% LVR with Principal and Interest repayments and may differ depending on borrower type and LVR, and are subject to change (you can view all our rates here). Terms and conditions apply to all loan features. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
 
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